Bottom line, don't be something you're not. be firm, but not a real bitch who can't play well with others. Be nice, but don't be a pushover. Don't go into banking with self-doubts because you're a girl. Sure, there are definitely times where it will be awkward (guys who do just 'guy' things, talking about girls, etc) but it's best to just go with the flow in those instances.
Don’t close out a card account with an open balance, because that can hurt your credit. But do consider transferring your balance to a card that charges 0%. Then use your newfound “savings” (of not having interest payments to make on that 0% card) each month to pay that balance down. Most cards charge 0% only for a short time (usually up to 15 months), so do the math to be sure you can actually pay down your debt substantially at 0% before you’re saddled with a giant rate hike.
MS. VERVEER: Do you have any kind of view that you formed on your own as to why women are not doing anywhere near as well in the STEM field as you all know, and I'm sure even our visitors from overseas we're not doing anywhere nearly as well in areas like mathematics and science and technology. And even with so many women going into higher education we're not going into fields like engineering and math. What is it about us?

Stocks. They represent a part ownership in a company or corporation, also known as business equity. Basically, when a company performs well, the stock tends to increase in value. Stocks tend to be more volatile investments, meaning they can give you a high return on your investment long-term but tend to have larger swings in value in the short-term.
Our New Year’s resolutions can vary across an endless array of categories—from finding love, making new friends, and moving to a new city to acquiring a new hobby or skill set. Among the most popular resolutions that people make involve job- and career-related goals. However, while making a New Year’s resolution for career change and success can be the beginning of a wonderful new chapter in our lives, it’s really just the first step.
Coming in, I expected that my colleagues would be ultra-Type A, all work/no play, super serious folks given the nature of our work. But I’ve been pleasantly surprised by the great relationships and friendships I’ve developed at work and the camaraderie on our floor. I also expected the job to be extremely difficult in terms of the learning curve and was worried about my ability to handle it. It certainly is challenging, but with the support of my colleagues and mentors, I can really map out how much I’ve grown and learned over the past year. Everyone wants each other to succeed.
2. In a team work, Woman are are worst performer, They are very good pal , sharing tiffin in canteen , going market along , but in case of official hiererchy, woman always want a man boss. I dont know what is the philosophy, but i seen, I felt- so I am writing. decision is in your hands. The result suffers due to poor co operation between the woman , and ultimately they blame to Glass Ceiling - that is not true.

MS. JOSEFINA URZAIZ: Thank you. First of all, well thank you, I'm very grateful to be here and honored to be part of this as a mentee in this week. Our organizations that lead have the goal to alleviate poverty, and the way we do this is by empowering women in rural communities in Mexico where I'm from. We employ 900 women who hand weave the hammocks from home, so I don't break that family structure. And to give you perspective, each hammock takes about two weeks to weave because they do it in their spare time, and the impact that we have reaches 3,200 people on an everyday basis.


Younger men are far more likely to invest according to their values than their fathers were; 81% of millennial men in Morgan Stanley’s survey were interested in sustainable investing. And though fewer American men than women say they want to invest in companies with diverse leadership, the share is still sizeable, at 42%. If gender-lens investing is truly to take off, it will have to appeal to those who control the bulk of wealth—and that is still men.
6. Impact of higher savings is calculated using fixed monthly returns with contributions made at the beginning of the period. Beginning balances are assumed to be zero. The potential difference is calculated by comparing ending balances at retirement for each hypothetical example. The ending values do not reflect taxes, fees or inflation. If they did, amounts would be lower. Earnings and pre-tax contributions are subject to taxes when withdrawn. Distributions before age 59 1/2 may also be subject to a 10% penalty. Contribution amounts are subject to IRS and Plan limits. Systematic investing does not ensure a profit or guarantee against a loss in a declining market. This example is for illustrative purposes only and does not represent the performance of any security. Consider your current and anticipated investment horizon when making an investment decision, as the illustration may not reflect this. The assumed rate of return used in this example is not guaranteed. Investments that have potential for the assumed annual rate of return also come with risk of loss.
While it is naïve to think that complete gender equality on Wall Street would happen overnight, the bottom line is that women, who have largely stood at the sidelines of investment banking, have potential for being successful in the field and investment banks are increasingly looking to tap that potential. Or to quote the great Bob Dylan, the times, they are a-changin’.
MS. HAILE: Finance being the major constraint, I don't think it's the only one. Of course, we'd have to design strategies that women have access to finance. But again, women entrepeneurs being community caretakers, there's so many obligations in place with playing multiple roles. I believe that the business environment has to be women- friendly, starting from the policy. So, everything has to be there for them to start and to expand their business for those—particularly the young ones, who also want to start new businesses. So, equally important as finance, I believe there are so many constraints that hamper women to expand in business or start a business. The cultural barriers when it comes to my country and in our continent and elsewhere. The access to markets, the information available, disposable at their facilities close to them because of the particular role they're playing. So, I believe we have lots of things to do. And at the moment I'm here now being part of the Global Ambassadors Program I sincerely would like to thank Bank of America. I don't think many do it like this, partnering with institutions like Vital Voices .
MS. VERVEER: As is always the case. We have such little time left, but there are so many exceptional women in this room who have been ambassadors, mentors for other exceptional women, many from other parts of the world who are the mentees in various areas. We touched very briefly on mentorship. You also mentioned sponsorship. But I've always noticed that when one comes into these arrangements of the mentee and the mentor each benefit--
Results of this survey are based on an online omnibus conducted among a demographically representative U.S. sample of 2,995 adults comprising 1,496 men and 1,499 women 18 years of age and older. The survey was completed during the period December 1-11, 2016 by ORC International, an independent research firm. The results of this survey may not be representative of all adults meeting the same criteria as those surveyed for this study.

Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), a registered broker-dealer and Member Securities Investor Protection Corporation (SIPC), and other subsidiaries of Bank of America Corporation (BofA Corp.). Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of BofA Corp.
If you’re looking to acquire new job skills in the new year, consider the following. Do you want to acquire skills that will make you more effective at your current job or a new one? Your answer to this question will help you determine which skills you should look at. Also, are you looking to invest money towards acquiring new skills? If so, there are a wealth of career and adult education/skill-development programs available across the country; a great place to start is researching the offerings at colleges and universities in your area. You’ll likely come across a wealth of options, both in class and online—you just need to decide which are right for you.
Today, gender equality is in the spotlight like never before. The #MeToo movement has encouraged countless women to share their stories about being harassed at work—myself included. Powerful men have lost their power, while powerful women (hi, Oprah) are putting their platforms and their money into stopping workplace harassment and abuse. It’s been incredible. And it’s just the beginning.

6. Impact of higher savings is calculated using fixed monthly returns with contributions made at the beginning of the period. Beginning balances are assumed to be zero. The potential difference is calculated by comparing ending balances at retirement for each hypothetical example. The ending values do not reflect taxes, fees or inflation. If they did, amounts would be lower. Earnings and pre-tax contributions are subject to taxes when withdrawn. Distributions before age 59 1/2 may also be subject to a 10% penalty. Contribution amounts are subject to IRS and Plan limits. Systematic investing does not ensure a profit or guarantee against a loss in a declining market. This example is for illustrative purposes only and does not represent the performance of any security. Consider your current and anticipated investment horizon when making an investment decision, as the illustration may not reflect this. The assumed rate of return used in this example is not guaranteed. Investments that have potential for the assumed annual rate of return also come with risk of loss.
I really believe in passive investing and using technology to build really smart portfolios for people who don’t have the time, interest, or expertise to do the research (to figure out risk tolerance and asset allocation and diversification). There’s a new type of investment service that does this—but it has a terrible name: robo-advisor. The way it works is incredibly simple: You sign up, answer a bunch of questions about how old you are, your financial situation, what you’re saving for, and then the company, like Wealthsimple, will instantly build you a portfolio.
MS. TURLINGTON BURNS: Gosh, so many ways. We are pretty small. We're a 12-person organization. I think we struggle with anything that any small business would struggle with, just growing and trying to do what we do well, not waste resources, make sure that our people are taken care of and people feel, you know, like motivated and looked after to do their job to the best of their ability. We look for, you know, volunteers in different ways. Our organization was essentially all volunteers before they came on full time. And so, I don't know if we can continue to take on volunteers and make them part of the staff, but it's a really important thing to be able to have an open door for people who have time or who have skills to offer, and you know, we've had pro bono legal advice, we've had graphic designers and artists and different people come in and say I can do this, I can't do that but I can do this. And so, we want to have that relationship where nothing is, nothing is overlooked, nothing is less important than writing a check, although that's always welcome. It's Mother's Day and that's a big opportunity for us to campaign around maternal health. We have, you know, partners, like product partnerships where we have lots of really lovely things that are all kind of, you know, a play on classic Mother's Day gifts, but we have great partnerships with mother-owned, female-led businesses where they're creating products that then, you know, people can buy and they can celebrate their mother, but they can also help save a life of someone else at the same time. So, those kinds of things are also great ways to participate.
MS. TURLINGTON BURNS: Well, the causes of death are the same. Post-partum hemorrhage is the leading cause, but—and you have sepsis, and different infections that might arise. You have hypertensive disorders, which you might see here in a different way than in other countries. We have a rising sort of chronic disease problem here in the United States, and so obesity, diabetes, those are our conditions that certainly impact the health and wellbeing of mom and her birth, and the child's birth as well. I think you would think that in our country where we spend more on healthcare than any other industrialized country per capita that we would have not the same lack of care, that access wouldn't be the problem and yet—
I cannot echo this enough. There is a female in a high level position at my firm and whenever she visits we go out for drinks where she spends the entire time trying to be one of the guys. Making stripper jokes, talking about football, etc. I mean not in a natural way either. It is constant during the entire conversation and obviously forced. Maybe some insecure little betas find it endearing. However,I find it annoying and it makes me think I can't trust anything she says since she's always putting on a grotesque facade. The world has changed so much I think it best to just be yourself. Yes there may be some misogynist leftovers from the Madmen days, but their numbers are dwindling and with that their power over your career.

So, we decided that we needed something else to really complement what we were doing from generating this stream of income to then educate them in how to improve their living conditions. Especially my hope is that I can change—and I think we are changing—the lives of the next generation that is their children. So, with the foundation we're working, bringing students from universities in the U.S. and Europe to work with these families on literacy, on preventive health. We run a mentorship program as well—that's my way of paying back what I'm receiving here this week—where we motivate these teenagers to study an undergrad degree, to understand importance of education, to lift them out of poverty and generate opportunities not only for themselves but for their communities.
But it may be more accurate to say that women are more risk-aware and less deluded about their financial competence. A study in 2001 by Brad Barber and Terrance Odean, academics in the field of behavioural finance, showed that women outperformed men in the market by one percentage point a year. The main reason, they argued, was that men were much more likely to be overconfident than women, and hence to carry out unprofitable trades.
So, if you’re eager to make a major job or career change… you guessed it, make a plan. Consider making a list of pros and cons for taking the plunge. If everything in your life is pointing to making a major change, figure out what new goal makes the most sense for you. Take an inventory of your skills and experience, along with your interests and aspirations, and figure out which careers/industries you best align with. Do you have any friends or family who have jobs that sound potentially intriguing to you? If so, ask them more about it. Do your research—the Internet is a great source of information for researching new companies and careers.
She is also currently focusing on finding more access to capital, creating more revenue streams, getting more sponsorship, and creating more partnerships. Some of her most recent successes are corporate partnerships with both Bumble and Google Cloud for Startups, who are currently sponsoring the BGV Big 4 Tour through Atlanta, Chicago, DC, and NYC.
Who among us doesn’t want a loftier position with a more impressive sounding title and a higher salary, regardless of where we currently work? The truth is, this isn’t always an immediately attainable reality for everyone—maybe you’re just getting started at your current job and it’s too soon to start thinking about a promotion, or maybe the place you work at is small and there’s no clear upward trajectory. Whatever the reason, if you’re seeking a promotion and there’s no obvious path for growth for you in your current job, perhaps this means you should make a more drastic change as part of your New Year’s resolution planning.
Investing is not some get-rich-quick scheme and there is always a degree of risk. But those women who are comfortable with that risk should not be deterred by the aggressive macho investor stereotype. The proof of the increasing success of women in the world of investing can be seen in the female-focused investment firms that have sprung up. As Alexander Taussig, the senior vice president for women investors at Fidelity, has said, "The myth that men are better investors is just that -- a myth."

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